Punjab & Sind Bank (NSE:PSB)

Punjab & Sind Bank Cash Flow Statement

Financials in millions INR. Fiscal year is April - March.

Operating Activities

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep 30, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Net Income	15,017	13,219	10,158	5,954	13,130	10,391
Depreciation & Amortization	2,075	1,770	1,451	1,501	1,483	1,371
Gain (Loss) on Sale of Assets	1.38	1.58	1.98	-4.4	-21.5	1.58
Gain (Loss) on Sale of Investments	614.82	1,149	-574.25	-	-	-
Provision for Credit Losses	2,401	2,401	2,612	996.6	-5,147	60.2
Change in Other Net Operating Assets	-175,330	-204,695	-156,489	-90,394	-76,634	-145,801
Other Operating Activities	6,641	6,674	16,260	1,970	6,188	13,704
Operating Cash Flow	-148,581	-179,481	-126,580	-79,977	-61,001	-120,274
Operating Cash Flow Growth	-	-	-	-	-	-

Investing Activities

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep 30, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Capital Expenditures	-4,346	-2,407	-1,674	-2,291	-903.1	-1,206
Sale of Property, Plant and Equipment	-	-	-	-	21.5	-
Other Investing Activities	-1.38	-1.58	-1.98	4.4	-	-1.58
Investing Cash Flow	-4,348	-2,409	-1,676	-2,286	-881.6	-1,208

Financing Activities

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep 30, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Long-Term Debt Issued	-	-	30,000	-	-	-
Long-Term Debt Repaid	-	-	-	-	-10,000	-3,000
Net Debt Issued (Repaid)	-	-	30,000	-	-10,000	-3,000
Issuance of Common Stock	-	-	12,194	-	-	46,000
Common Dividends Paid	-2,767	-496.69	-1,356	-3,253	-2,101	-
Net Increase (Decrease) in Deposit Accounts	176,057	160,550	103,645	97,441	75,285	60,288
Other Financing Activities	-3,380	-3,371	-1,857	-1,061	-1,216	-2,319
Financing Cash Flow	169,909	156,682	142,626	93,126	61,968	100,970

Net Cash Flow

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep 30, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Net Cash Flow	16,981	-25,208	14,371	10,863	85	-20,512

Free Cash Flow

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep 30, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Free Cash Flow	-152,927	-181,888	-128,254	-82,267	-61,904	-121,480
Free Cash Flow Growth	-	-	-	-	-	-
Free Cash Flow Margin	-297.61%	-384.59%	-298.81%	-233.25%	-163.92%	-365.94%
Free Cash Flow Per Share	-21.64	-25.63	-18.91	-12.14	-9.13	-29.92

Additional Metrics

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep 30, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Cash Interest Paid	3,380	3,378	1,707	1,061	1,166	2,314
Cash Income Tax Paid	2,179	2,813	-6,619	3,425	1,494	-8,540

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Oct 21, 2026

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